The division is now also handling drivers with penalty Electric motorcycle CONTROLLER points, and is already experiencing a high volume of calls. A few years ago insurers might have assumed that a motorist with six or more points on their licence was a reckless driver, but that is no longer necessarily the case.

Swinton announced it had seen a 12% increase in the number of drivers with points looking for cheaper motor insurance during 2006 - and as a result has set up a dedicated unit to deal with this rising demand. Swinton Specialist was launched earlier this year for drivers of imported, modified and high performance motors. Neil Ackinclose, head of Swinton Specialist Motor insurance, explained: "Over the last few years we have seen a dramatic increase in the number of drivers with penalty points requesting insurance.

We look at full driving history and aim find a value policy to suit each car owner, whatever the vehicle. "Here at Swinton we have set up Swinton Specialist - a dedicated unit to deal with non-standard motor insurance - where drivers with any number of points are treated as individuals. As that figure continues to grow - with some estimating the actual number of pointed drivers to be in the region of 10 million - insurance providers are having to accept that points alone can no longer be used as a yardstick for driver evaluation.

And the move reflects a change in attitude by the motor insurance industry as the estimated number of pointed motorists tops 6 million*. "A 2006 YouGov survey estimated that 16% of drivers now have points on their license." Any driver interested in talking to Swinton Specialist should call 0800 781 8400.

Pointed drivers are no longer automatically penalised at Swinton as a result of the increase in the number of motorists now saddled with penalty points. With the 6,000 speed cameras on our roads already catching over 2 million speeders each year, and driving whilst using a mobile phone now costing the driver three points, an unblemished licence is becoming rare.Drivers with six points or more on their licence looking for motor insurance could soon be viewed as 'standard' rather than 'non-standard' says Swinton, the UK's largest high street motor insurance broker.